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Do you know…..your

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Belly35's avatar

Belly35

Elderly Intellectual

9,716 posts
Jan 28, 2011 10:45 AM
Do you know…..your

Do you know your credit score?
Jan 28, 2011 10:45am
coyotes22's avatar

coyotes22

Go Tigers

11,298 posts
Jan 28, 2011 10:51 AM
Yes
Jan 28, 2011 10:51am
mcburg93's avatar

mcburg93

permaban to basement

3,167 posts
Jan 28, 2011 10:58 AM
yes and not happy about it right now and not sure what happened. I got a report and cant find anything on it. was over 700 last year now im under it. on all three. How are the ways it goes down. I know everytime you get a report it hurts the numbers but i only check it once a year. I owe nothing but the house right now and never been late on a payment. One credit card and only used it twice last year and paid it off as soon as I got the bill. So I am completely dumbfounded on how it dropped 30+ points.
Jan 28, 2011 10:58am
FatHobbit's avatar

FatHobbit

Senior Member

8,651 posts
Jan 28, 2011 11:23 AM
I knew it when I bought my house 2 years ago. I assume it hasn't gone down, but I never check the number. I do the free yearly report but that's it.
Jan 28, 2011 11:23am
O-Trap's avatar

O-Trap

Chief Shenanigans Officer

14,994 posts
Jan 28, 2011 11:28 AM
Bought a car on Saturday, so yes.
Jan 28, 2011 11:28am
Belly35's avatar

Belly35

Elderly Intellectual

9,716 posts
Jan 28, 2011 11:59 AM
FatHobbit;656410 wrote:I knew it when I bought my house 2 years ago. I assume it hasn't gone down, but I never check the number. I do the free yearly report but that's it.


I know mine but that because we ( wife and I) also bought a truck two months ago

Where do you get that free yearly report?
Jan 28, 2011 11:59am
LJ's avatar

LJ

Senior Member

16,351 posts
Jan 28, 2011 12:02 PM
780ish

Fiancee is in the 800's
Jan 28, 2011 12:02pm
F

fan_from_texas

Senior Member

2,693 posts
Jan 28, 2011 12:02 PM
Yes, we know ours. We download our free annual report each year (which doesn't list the score) (I think it's annualcreditreport.com). But we also recently refinanced, so we could see our scores then. We're pretty meticulous in monitoring our credit.
Jan 28, 2011 12:02pm
B

bigkahuna

Senior Member

4,454 posts
Jan 28, 2011 12:07 PM
Yes. It sucks right now because my student loan people screwed me over. The 6th month grace period ended, but they never sent me anything via email, phone, mail saying that payment had started. I got a call 1 week before it defaulted demanding back payment. Been fighting to get it back up ever since (The lowest was 575, but I'm up in the low-mid 600s now). Luckily my wife has outstanding credit (mid 700s)
Jan 28, 2011 12:07pm
wildcats20's avatar

wildcats20

In ROY I Trust!!

27,794 posts
Jan 28, 2011 12:14 PM
bigkahuna;656482 wrote:Yes. It sucks right now because my student loan people screwed me over. The 6th month grace period ended, but they never sent me anything via email, phone, mail saying that payment had started. I got a call 1 week before it defaulted demanding back payment. Been fighting to get it back up ever since (The lowest was 575, but I'm up in the low-mid 600s now). Luckily my wife has outstanding credit (mid 700s)

Literally the same exact thing happened to me.

They called and wanted a payment of almost 23 grand. I said uh, no. Luckily they hooked us up with another company that is letting us pay it off based on my income(my dad is actually paying the bill). So it's only like $40 a month.
Jan 28, 2011 12:14pm
T

that_guy

Senior Member

439 posts
Jan 28, 2011 12:14 PM
I'm in the process of buying a house, so I know mine. Back when I had to write & mail checks to pay bills, it was probably low, as I had quite a few late payments, but now that all my monthly payments are automated, I haven't had a single late payment in 8 or 9 years, that and having no debt helps the score a lot...

mcburg- My understanding is that your score only goes down on Hard Inquirys (if you apply for credit and creditor runs the report), for Soft Inquirys, such as running your own credit report, don't reduce the score.
Jan 28, 2011 12:14pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Jan 28, 2011 12:16 PM
Not sure what it is at the moment but when we bought our house three years ago my wife and I were both ~800. I was just under and she was just over.
Jan 28, 2011 12:16pm
V

vball10set

paying it forward

24,795 posts
Jan 28, 2011 12:17 PM
yup
Jan 28, 2011 12:17pm
FatHobbit's avatar

FatHobbit

Senior Member

8,651 posts
Jan 28, 2011 3:49 PM
Belly35;656463 wrote:Where do you get that free yearly report?
fan_from_texas;656469 wrote:I think it's annualcreditreport.com
That's it. IMO it's a little confusing the first time but they will direct you to each of the three credit reporting agencies and give you a copy of what they each have for your credit report. It doesn't give you a number, but it will let you see if they have bogus info out there. (my dad and I have the same first name so we get a lot of stuff on each others credit report.) You can do it once a year for free just to make sure someone isn't doing something in your name. I'm better at printing out the reports than I am at actually going through them,
Jan 28, 2011 3:49pm
B

bigkahuna

Senior Member

4,454 posts
Jan 28, 2011 8:31 PM
wildcats20;656497 wrote:Literally the same exact thing happened to me.

They called and wanted a payment of almost 23 grand. I said uh, no. Luckily they hooked us up with another company that is letting us pay it off based on my income(my dad is actually paying the bill). So it's only like $40 a month.

They were only demanding like 2,000 BUT I WISH my payment was that low.
Jan 28, 2011 8:31pm
iclfan2's avatar

iclfan2

Reppin' the 330/216/843

6,360 posts
Jan 28, 2011 8:41 PM
No idea. Parents started my credit when I was 16, paid it off every month, and since I took it over I have done the same. So I'm assuming it is pretty good but no idea.
Jan 28, 2011 8:41pm
stroups's avatar

stroups

Senior Member

3,223 posts
Jan 28, 2011 8:43 PM
Yep, just checked it Thursday and it was about 740
Jan 28, 2011 8:43pm
dwccrew's avatar

dwccrew

Not Banned

7,817 posts
Jan 28, 2011 8:44 PM
Recently getting pre-approved for home loan. I was an 803 in May, went down to 790-something because I purchased a new vehicle and it lowered my credit score somehow when they checked my credit at the dealership. Still sitting pretty though.
Jan 28, 2011 8:44pm
KR1245's avatar

KR1245

Senior Member

4,317 posts
Jan 28, 2011 9:04 PM
Looking into buying car in the near future so I checked it out last week. I dont remember the exact number but its in the 730s.

My credit was shit after my 1st year of school. I got a couple credit cards and maxed em out on a bunch of shit that I didnt need. It took me over a year to get my credit back where I wanted it, I dont have any intention on letting that happen again.
Jan 28, 2011 9:04pm
Tiger2003's avatar

Tiger2003

Kill or be Killed

15,421 posts
Jan 28, 2011 10:08 PM
796
Jan 28, 2011 10:08pm
Red_Skin_Pride's avatar

Red_Skin_Pride

Senior Member

1,226 posts
Jan 28, 2011 10:43 PM
739
Jan 28, 2011 10:43pm
se-alum's avatar

se-alum

The Biggest Boss

13,948 posts
Jan 28, 2011 11:19 PM
Mine is around 900.
Jan 28, 2011 11:19pm
W

WebFire

Go Bucks!

14,779 posts
Jan 28, 2011 11:29 PM
se-alum;657126 wrote:Mine is around 900.

In other words, you have no idea.
Jan 28, 2011 11:29pm